United Healthcare, through their Medicare Made Clear website, is partnering with Your Turn To Care to provide tips and resources on securing the best Medicare plan for you or the person you care for.
In episode three of Your Turn To Care, family caregivers Chip and Julie Philips voice their concern at the limited financial resources available to Chip's father, Edgar. They're worried about how to pay for the additional medical and personal care he will need as his dementia progresses. At one point Julie exclaims, "People talk about Medicare like it pays for everything, but it doesn't." This same frustration is felt by many caregivers and seniors when they are confronted by what Medicare covers and what it doesn't. Many are surprised to hear that even though a person qualifies for Medicare they may still have to pay monthly premiums, deductibles, co-pays, and co-insurance for many services.
It's best to get all the facts on Medicare as early as possible to learn about eligibility and the costs you may have to cover for you and your family members.
What Does Medicare Cover?
The Medicare most people are familiar with is Medicare Part A and B. Part A is automatically available, with no monthly premium, for most people as soon as they turn 65. It's sometimes referred to as "hospital insurance," and generally covers hospital stay services such as doctor's care, lab, and room fees. Part B pays for visits to a doctor, out-patient care, and some preventive services. Part B is optional and is paid for with a monthly premium. It's important to know that beneficiaries may have to pay for some costs that Medicare does not cover.
Some Services Not Covered by Medicare Part A and B
- Long term care
- Eye care
- Hearing Aids
- Routine Foot Care
- Cosmetic Surgery
Additional Medicare Coverage Available:
Medicare Part C (Medicare Advantage) and Part D (Prescription Plan) are also available at a monthly fee and provide some of the services not covered in Parts A and B including, eye and dental care and prescription drug coverage. Supplemental (Medigap) insurance is also available to help pay for some of the health care costs that Medicare Parts A and B don't cover (co-payments, co-insurance, and deductibles.)
UnitedHealthcare's Medicare Made Clear offers "Guide To Original Medicare," an easy to follow video providing an overview of Medicare Parts A and B.